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Originally Posted by howard
For those who are interested here is an explanation of how Bitcoin and the others work.

As for St James Place, they have the reputation of being a decent outfit but charging high. The stats show that 80% of fund managers fail to match the index which surely is the minimum you would expect. And the 20% that do is not the same 20% each year. But there is another issue. SJP was founded by Rothschild and Weinberg and invested their personal money. Then it was bought by HBOS who in turn were bought out by Lloyds, the latter being described in an investment magazine as the banking equivalent of the civil service. Huge corporate bureaucracy doesnt usually mean success.

I dont know about a 3 legged stool but certainly a two legged one makes sense with the two legs being property and investments / pension. But many have too much in property, quietly forgetting thats what their house is.


SJP may be expensive but they have proven to be worth it for us. We get good growth, an income and peace of mind with regular (very) proactive reviews. Too busy enjoying our retirement to have to worry about our investments.


Paul
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Howard, my use of quotation marks each end of the word BANKERS was hoped to convey that the word was being used to describe other than for the employees in ones local bank premises, but more to the "system" that governs our acceptance of the value of that which we accept as currency, and the many and varied ways in which both it and we are thus manipulated as a society..?

Those who spend more time and effort counting and manipulating currency than do I, seem to determine that the majority of "it" is held by one percent of the population.....? IF that is indeed the situation it seems to beg the question as to who made the political and legal decisions over many years to arrive at such a situation..? In other words, Who rules..? It seems the logical answer is those who hold the "money" hold the power...?

Rather than getting lost in the many and varied complications of banking, the financial services industry and politics, the vast majority of which I have no possibility of understanding, if I might share a true story as told to me by my dear departed uncle who as a child on seeing another of similar age barefoot in the street, was caused to wonder why he (my uncle) had shoes and the other child not. My uncle turned to his father, a world travelled ships engineer, and asked why such a situation existed, and when it was explained it was down to the distribution of wealth, my uncle then asked "Why don`t they gather all the money back in, count the number of people and divide it up equally, then hand it back out"..? To which my grandfather replied "The strong will take it from the weak, the fly will take it from the strong, and it will be back to where it is today."

When told the story by my uncle many years ago, I thought, that works for me, and still does today.

I suspect whoever rules may not like the idea that there could be another possible store of wealth created which could be outside their control, such as Bitcoin. That possibly being the case, might "they" not use all their resources to undermine that system if/when it seemed to have the potential to undermine the existing system..?

When the fiat system lost it`s linkage to the gold standard equating the value of printed money being worth..err..what..Hmm..?

We have moved on since then to a time when economists still use the term "printing money" relative to creating currency out of thin air, when it seems all that we hold are digits stored in computing systems and distributed in a variety of ways by digitally controlled interfaces and which determines our financial standing as individuals...?

As a country in terms of GDP to borrowings it seems UK PLC is not in great shape, add to that the average household indebtedness.... ?

Don`t ask me how it all works or just how much longer it will continue to work.... I just hope it does, before the system turns full circle and we (the West) become the weak in terms of my grandfathers evaluation.

As to where we might be at this moment in time in terms of cyclic events.... I leave that to those far wiser than I to assess. confused2

Last edited by Luddite; 13/08/21 06:30 AM. Reason: Duh..!
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Originally Posted by howard
In any event crypto is jno threat to the main street banks.
The risk is the government or govt sponsored hackers ( China, Russia) nobbling the crypto system


_Meant as consideration not in a rude manner to your comment?_

I agree with the second part, in as much as they will aim to quietly destabilise other countries using tools like currency. However imagine if we did all use one currency (Europe/US/China/India, not just within the EU) the benefit of tweaking a foreign national currency goes away and hence the desire to screw with the currency, not a bad things. However the restraint due to those countries wishing to maintain either the vanity or control of their own systems for functional purposes will be the drag on this happening? Bitcoin could do this.

I would be happy to put a bet (bottle of scotch etc given TM is not registered for gambling) that twenty years from now (one generation) that it will be in transparent use.

1. I use ApplePay without a thought as it is more convenient. The banks do not have control over this yet it folds back to a credit card they control.
2. I use Paypal without concern. Same above, it is just another payment mechanism but it still folds back ton existing wallet/account. I am not young so is it a perspective/experience thing?
3. I am not young and the younger generations have already embraced the above but think it old school.
4. With their perspective the young will embrace frictionless things more quickly than us. I order electric bits for computers from Alibaba without a thought. I use paypal to protect me. I trust it more than a credit card in this situation.
5. No exchange rate charge experience with BC and PP, creditcard?

So BC is actually two or more things being fudged into a marketing phrase.

1. BC as it first came out is a method for securing the transaction and proof of currency.
2. BC as it is being discussed in the papers now is conflated with having a BC based bank account that one of these new companies will hold for you. (I would ask if they are regulated and if your money is protected in UK Law?)

I bet the next generation (16 now and beginning to use a bank account and currency in the conventional sense of loans, credit, standing payments etc) would not flinch if offered a Barclays BC account. It would be used through a credit/debit card and ApplePay etc.
I think it will become a daily thing in 5 years. After all Mr Musk tweets about it so it must be real. Cars replaced Horses, who saw that coming?


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I don’t see how crypto -with its enormous and growing energy use - can survive the climate targets.


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Originally Posted by Nick55
I don’t see how crypto -with its enormous and growing energy use - can survive the climate targets.

I hope not, there are old power stations being re-commissioned just to set up Bitcoin mining operations, belching out unscrubbed emissions and using up vast amounts of non-renewable energy resources...utterly ridiculous


Jon M
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